Agriculture Loan Kaise Le? | Features & Benefits of Agriculture Loans

Agriculture Loan Kaise Le/ Milega, Agriculture Loan Interest Rate 2021 in Gujarat: Bharat ek krishi pradhan desh hai. Bharat ka ek bahut bada samuh kheti badi se juda hua hai.

Gaon mein rehne wale log aksar gareeb hote hain. Kyunki gaon mein mukhya roop se kisan rehte hain. Kisano ke pass kheti ke alava koi sadhan nahi hota hai. Bharat ki kheti prakritik sansadhano par aadharit hai.

Kai bar samay par barish na hone ki vajah se sukha pad jata hai. To kai bar adhik varsha ke karan yahan badh ki samasya se jujhna padta hai.

Kisano ke hiton ke liye vibhinn banko dwara agri loan ki shuruaat ki gayi. Taki kisano ki mushkil samay mein madad ki ja sake. Aaj hum krishi rin agriculture loan ke bare mein janenge.

Aur hum aapko batayenge ki agriculture loan kaise milta hai. Yadi aap loan lena chahte hain, to kis prakar se agriculture loan le. Agriculture loan ke liye apply kaise kare.

Agriculture loan details/ jankari aur hum janenge kisi bhi loan ka sabse mahatvpurn karak: byaj daron ke bare mein. To aaiye jante hain ki agriculture loan kya hota hai. “Agriculture Loan Kaise Le/ Milega, Agriculture Loan Interest Rate 2021 in Gujarat”

Agriculture Loan (Agriculture Loan Kaise Le?)

Krishi loan kisano ko diya jata hai. Ek kisan dwara krishi rin (agriculture loan) ka labh mausami krishi karyo ya krishi sambandhit gatividhiyon ke liye kiya jata hai. Jaise pashupalan, kheti, machhali palan, bhumi ya krishi upkarano ko kharidne ke liye liya jata hai.

Iss prakar ke rin se khaad (urvarak), beej, keetnashak aadi jaise saman kharidne aur faslon ki kheti aur katai ke liye majdur lagane mein bhi madad milti hai.

Iske alava, bhumi ki kharid, ya krishi upkaran ki kharid, upaj aur parivahan, aur fasal ka bhandaran (store), aur buai, jutai, bhumi ki lagat, nirai aur pratyaropan bhi krishi rin ke dwara kiya ja sakta hai. In sabke alava anya krishi sambandhi karya karne ke liye, krishi loan liya ja sakta hai.

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Document required for agriculture loan

Krishi rin ke liye aavedan karte samay aap se dastavej jama karne ke liye kaha ja sakta hai.

• Avedan Patra (form)
• KYC
• Bhumi/ sampatti dastavej
• Suraksha PDC
• Rindata dwara mange jane wala anivarya koi anya dastavej.

Agriculture Loan Details/ Information

Krishi loan vibhinn banko dwara diya jata hai. Jiske liye pratyek bank ki byaj daren alag hoti hai. Isliye aapko sahi bank ka chunav karna bahut jaruri hai. Banko ke loan dene ke mapdand bhi alag alag hote hain.

Isliye aapko pehle ye tay kar lena chahiye ki aap kis bank se loan lena chahte hain. Niche kuch banko ke dwara di jaane wali krishi loan byaj daren Kramash hai “Agriculture loan kaise milega”

● Bhartiya State Bank

Bhartiya State Bank 7.25% prativarsh ki dar se byaj leta hai.

Bhartiya State Bank ke dwara processing fees 0% prativarsh 1.25% prativarsh rin kul rashi ka liya jata hai.

● ICICI Bank

ICICI Bank ki byaj daren 9.3% prativarsh hoti hai.

Yadi baat kare processing fees ki to 0.5% prativarsh se 4% prativarsh kul rin rashi par li jati hai.

● IDBI Bank

7% prativarsh aage bank ke vivek par

● IndusInd Bank

IndusInd bank 10% prativarsh byaj dar

Processing fees rin rashi par 1.25% + GST

● Central Bank of India

13.25% prativarsh byaj dar

Processing fees tay nahi

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कृषि ऋण लेने के लिए पात्रता / Eligibility Criteria to Borrow an Agriculture Loan

Krishi rin lene ke liye patrata mandand aapke dwara chuni gayi rin yojana ke prakar ke aadhar par alag alag honge. Halanki, samanya krita patrata mandand iss prakar hai:

Aavedak ki aayu 18 varsh se 70 varsh ke beech honi chahiye.

Loan lene wala vyakti jameen ya kisi anya sampatti ka malik hona chahiye. Jiske kagazat girvi rakh kar bank loan deta hai. Taki bank loan na milne par us sampatti ko bech sake.

Loan akele vyakti ya sanyukt roop se bhi diya ja sakta hai. Yah bankon ke upar nirbhar karta hai.

आपको कृषि लोन क्यों लेना चाहिए?

Kai loan dene wale bank apne grahakon ke labh ke liye krishi rin (loans) ki ek shrinkhala pradan karte hain. Aur kai prakar ki krishi sambandhit loan di jati hai. Aap vibhinn uddeshyon ke liye krishi rin prapt kar sakte hain, wah iss prakar hai:

• Krishi machinery aur upkaran ki kharid ke liye
• Jameen ki kharid ke liye
• Bagwani pariyojana ke liye
• Vahanon ya krishi yantra ki kharid ke liye
• Dairy ikaiyon ki sthapana ke liye
• Chhoti kukut ikaiyon ki sthapana ke liye
• Karyasheel punji ki jaruraton ke liye
• Mausami avashyakta ke liye
• Machhali palan ke liye
• Jaise anya kshetra jo krishi sambandhi ho. Unke liye loan liya ja sakta hai. Aur aap krishi loan ka fayda utha sakte hain.

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How to apply for an Agriculture loan (Agriculture Loan Kaise Le/ Milega?)

Yadi aap krishi rin ka aavedan karna chahte hain. To salah di jati hai ki apne vikalpon par online shodh kare. Aur bank ya loan dene wali company ki nikattam shakha mein jakar apni pasand ke rin (loan) ke liye aavedan karen.

Shakha jate samay apne sath avashyak dastavej jarur lekar jaaye. Iske liye aapko baar baar bank ka chakkar nahi lagana padega.

Kuch bank apne grahakon ko apni adhikarik website ke madhyam se krishi loan ke liye online avedan karne ka vikalp bhi de sakte hain. Magar jyadatar case mein offline hi dena padta hai.

Yadi aapko online ka vikalp mil raha hai to bank ki adhikarik website par jakar “Click Now” par click kare. Uske baad aap apne jaruri dastavej upload kare. Aur bank jo jankari mange, usse de de.

Aapka loan approve hone ke baad aapke khate mein loan rashi daal di jati hai.

Offline mein aapko aavedan form bharna padta hai. Uske baad bank agent aapki sahayta karte hain. Aapka loan approve ho jane ke baad aapko suchit kar diya jata hai.

Features and Benefits of Agriculture Loans

Aasan Dastavejikaran

Krishi loan lete samay, avedak ko keval kuch dastavej jama karne hote hain. Jaise ki ek passport size photo, pahchan praman patra, niwas ka praman aadi. In dastavejon ko aavedan patra ke sath jama kiya jata hai.

Jaldi Processing

Bank aapke aavedan patra aur aapke dwara jama kiye gaye dastavejon ko satyapit karenge. Yadi aapke document aur anya jankari sahi payi jati hai. To aapke loan ko manjuri de di jati hai. Arthat loan swikrit ho jata hai.

Pratispardhi Byaj Dar Shulk

Bank aur vittiy sansthan jo krishi loan dete hain. Wah pratispardhi byaj dar vasulte hai. Jo ki 8.80% prativarsh se kam shuru hoti hai. Itni kam byaj dar ke sath rin lene se aapko apne rin ki kul lagat ko kam rakhne mein madad mil sakti hai.

Loan Chukauti Awadhi Vikalp

Aapko aasan awadhi ke andar loan chukta karna padega. Loan chukane ke liye bank ko ek nishchit awadhi ke andar loan ki wapsi karni padti hai.

Koi Chhipa Hua Shulk Nahi

Jab aap krishi loan lete hain to aapko anya shulk ,jaise processing shulk, purva bhugtan shulk aadi ka bhugtan karna pad sakta hai. Aapko jitne bhi shulk bharne padenge. Uske bare mein bank ke dwara aapko pehle se ji bata diya jayega.

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Agriculture Loan Interest Rate 2021

Banko dwara diye jane wale loan par byaj daren samay samay par badalti rehti hai. Isliye aapko salah di jati hai ki aap nikatvarti bank shakha mein jakar vartaman ki byaj daro ke bare mein jankari hasil kare.

Kyonki kai baar jab aap online jankari hasil karte hain. To aapko purani jankari bhi mil jati hai. Aur aap wahi soch samajhkar loan lene ka irada kar lete hain. Magar aapko bank mein jakar vastvikata jab samajh aati hai.

To aapko pareshani ka samna karna pad sakta hai. Isliye hum aapko salah dete hain ki nikatvarti shakha mein jakar aap use samay ki byaj daro ke bare mein pata kare. Har bank ki byaj daren alag alag hoti hai. Yah aapko tay karna hota hai ki aap kis bank se loan lena chahte hain.

Agriculture Loan Interest Rate in Gujarat

Rajya vidhan sabha chunavon se pehle, Gujarat sarkar ne ghoshna ki hai ki vah 0% byaj par ₹300000 tak ka krishi rin pradan karegi. Iss kadam se lagbhag 25 lakh kisan parivaron ko labh hoga.

Filhal Gujarat mein krishi rin par 7% byaj hai. Jisme se 3% byaj rahat kendra sarkar dwara di ja rahi hai. Jabki 3% rahat rajya sarkar dwara pradan ki jaati hai. Jisse kisano dwara bhugtan ki jaane wali prabhavi byaj dar 1% hi bach jaati hai.

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Conclusion (Agriculture Loan Kaise Le?)

Dosto, iss article mein humne aapko bataya ki kis prakar aap “Agriculture Loan Kaise Le/ Milega, Agriculture Loan Interest Rate 2021 in Gujarat”. Aur vibhinn banko ke dwara di jane wali loan ki jankari di. Iss post ke madhyam se humne aapko bataya ki kis prakar agriculture loan lena aapke liye faydemand ho sakta hai.

Iske alava krishi loan se sambandhit tamam jankariyan humne aapko iss post mein di. Agar aapko hamari post pasand aayi ho. Aur aapko lagta hai ki yah jankari kisi aapke dost ya rishtedar ko labh pahuncha sakti hai.

To usse post se jarur avgat karaye. Post ko dosto ke sath share kijiye aur comment karke bataye ki aapko yah post kaisi lagi. Yadi aapko koi sawal puchna ho, to vah bhi aap comment section mein puch sakte hain.